SYSTEM AND METHOD FOR DEFINING ATTRIBUTES, DECISION RULES, OR BOTH, FOR REMOTE EXECUTION, CLAIM SET IV

• US 20070030282A1
• Filed: 04/07/2006
• Published: 02/08/2007
• Est. Priority Date: 05/24/2005
• Status: Active Grant

• Current Assignee: CRIBIS Corporation
• Original Assignee: Magnum Communications Limited
• Inventors: Bridenbaugh, Ray, Cash, Joseph, Ryan, Edith
• Granted Patent: US 7,860,782 B2
• Time in Patent Office: Days
• US Class Current: 345/581
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0242 Determining effectiveness of advertisements
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A system of the invention comprises a design module, execution engine, and performance management module. A first computer hosts the design module which enables a user to define attributes, queries, and decision rules transmitted to the execution engine hosted on a second computer remote to the first computer. The second computer can be located at a credit bureau, credit reporting agency, or other data provider. The second computer runs the execution engine to query a data repository with the user-defined attributes and queries, and applies the user-defined decision rules to produce result data transmitted to a third computer hosting the performance management module for monitoring performance of a benefit or offering made with the result data and the corresponding attributes, queries, and decision rules that generated the result data.

Claims

1. An apparatus comprising:

a first computer configured to run a design module permitting a user to define a set of one or more attributes and one or more decision rules to be applied to the data resulting from the queries, the first computer configured to transmit the set of attributes and decision rules to a second computer remote from the first computer for execution.

2. An apparatus as claimed in claim 1 wherein the first computer is configured to transmit the set of attributes and queries and the set of decision rules to the second computer via a communication network.

3. A system as claimed in claim 1 wherein the first computer is configured to transmit the set of attributes and decision rules on a single transaction basis in response to an inquiry.

4. A system as claimed in claim 1 wherein the first computer transmits the set of attributes and decision rules to the second computer to carry out a batch of transactions to produce the result data.

5. An apparatus comprising:

a user computer configured to receive result data generated by a data provider computer remote from the user computer based on a set of user-defined attributes and decision rules, the set of attributes and decision rules used by an entity with which the user is associated to obtain a list of contact information for consumers from the data provider for the client to send a solicitation including an application for a benefit or offering of the client to the consumers in a marketing campaign, and wherein the user computer is configured to receive performance data indicating one or more of the number of applications returned by consumers, the applications accepted by the client for the benefit or offering, the payment performance of the consumers under the benefit or offering, and the profitability of the benefit or offering, the user computer operable by the user to generate a display indicating the performance of the marketing campaign based on the performance data and the set of attributes and decision rules used to generate the list of contact information for the marketing campaign.

6. A system as claimed in claim 5 wherein the user computer is configured to receive the result data automatically from the data provider computer via a communication network.

7. A system as claimed in claim 5 wherein the benefit or offering is use of a credit card.

8. A system as claimed in claim 5 wherein the benefit or offering is a loan for purchase of real estate, a vehicle, aircraft, watercraft, an electronic consumer device, or a consumer appliance.

9. A system as claimed in claim 5 wherein the result data generated by the user computer includes recommendation or decision as to consumers to which applications are to be sent by the entity for a marketing campaign.

10. A system as claimed in claim 5 wherein the data provider computer is configured to associate a unique identifier to the result data and the set of attributes and queries and the set of decision rules that generated the result data, and the user computer is further is configured to assign the unique identifier to the data indicating one or more of the number of applications returned, the applications accepted by the client for the benefit or offering, the payment performance of the consumers under the benefit or offering, and the profitability of the benefit or offering, so that performance of the campaign can be tracked in relation to the attributes and decision rules used to generate the consumers to which the entity extends the benefit or offer.

11. The method according to claim 5 wherein the result data does not include credit data that would fall under Fair Credit Reporting Act (FCRA) regulations.